Call reports 2015
OAKSTAR BANK — 2015
What OAKSTAR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 365,940,000 | 379,192,000 | 390,204,000 | 393,454,000 |
| Total loans | 306,255,000 | 306,183,000 | 314,164,000 | 340,631,000 |
| Allowance for loan losses | 4,859,000 | 4,918,000 | 4,920,000 | 4,914,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,118,000 | 320,033,000 | 330,017,000 | 332,847,000 |
| Interest-bearing deposits | 279,390,000 | 287,283,000 | 293,644,000 | 297,004,000 |
| Noninterest-bearing deposits | 32,728,000 | 32,750,000 | 36,373,000 | 35,843,000 |
| Equity capital | 29,764,000 | 34,932,000 | 35,896,000 | 36,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,069,000 | 6,361,000 | 9,671,000 | 13,152,000 |
| Interest expense | 453,000 | 974,000 | 1,515,000 | 2,065,000 |
| Net interest income | 2,616,000 | 5,387,000 | 8,156,000 | 11,087,000 |
| Noninterest income | 2,012,000 | 4,516,000 | 6,809,000 | 8,692,000 |
| Noninterest expense | 3,071,000 | 6,383,000 | 9,921,000 | 13,471,000 |
| Provision for loan losses | 327,000 | 428,000 | 429,000 | 429,000 |
| Pretax income | 1,230,000 | 3,092,000 | 4,615,000 | 5,879,000 |
| Income tax | 456,000 | 1,150,000 | 1,709,000 | 2,144,000 |
| Net income | 774,000 | 1,942,000 | 2,906,000 | 3,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,764,000 | 34,932,000 | 35,896,000 | 36,726,000 |
| Total capital | 33,201,000 | 38,284,000 | 39,441,000 | 40,631,000 |
| Risk-weighted assets | 273,556,000 | 266,580,000 | 282,204,000 | 311,320,000 |